Specialty Dwelling Insurance
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Wind Rose Insurance
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Specialty Dwelling Insurance
If you own a rental property in California or a home that happens to be vacant, a traditional homeowners insurance policy will not work.
You need what’s called a “Specialty Dwelling” insurance policy. This is because traditional homeowner’s insurance excludes coverage for properties that are not owner-occupied. In other words, if you don’t live in the house, it’s only covered by a specialty dwelling policy.
Wind Rose Insurance Agency represents several carriers who can insure your rental property, or specialty use property.
There are multiple scenarios where specialty dwelling insurance is necessary:
Rental Properties — Specialty Dwelling insurance is the only type of policy that will work for a rental property.
There are certain coverages that you need as the owner of a non-owner occupied property that are only provided by a specialty dwelling insurance policy like for example Landlord Furnishings, and Tenant Liability.
Vacant Homes — vacant homes can present all kinds of problems which is why they can be extremely difficult to insure. Most insurance companies want nothing to do with a property that is vacant. We can help you though.
Seasonal & Vacation Homes — in many cases, in order to insure a secondary, seasonal, or vacation property, most companies require that you insure your primary residence with them as well, which isn’t always possible.
Older & Lower Value Homes — if your home is extremely old and/or the market value is considerably lower than the cost to rebuild it, many insurance companies may hesitate to cover it. Older or lower-valued properties present a number of problems, but we have access to specialty policies specifically for these types of homes.
Homes Under Construction — in some situations your renovation, addition, or reconstruction project may require a specialty dwelling policy.